The product, which combines a two-year fixed-rate term mortgage with a bridging facility, is designed for cases where a full refinance isn’t possible at first, but becomes achievable once selected assets are sold.

Repayments made on the term loan using proceeds from those sales can be made without early repayment charges.

The term loan is priced at 4.99% with a 5% arrangement fee and a minimum loan size of £3m.

The bridge, which is utilised for the properties the borrower is looking to sell, is available at 0.7% per month with a 2% arrangement fee and a £1m minimum loan size.

Both products must be used together and completed at the same time.

The two elements of Portfolio Edge are cross-collateralised, forming a single, structured funding solution.

The bridge is capped at 50% of the total loan, with sale proceeds used to reduce overall debt.

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"Portfolio Edge is built for exactly what brokers are dealing with: affordability blocks, structural complexity, and clients who need more than a standard refinance,” said Alex Upton, managing director of specialist mortgages and bridging finance at HTB (pictured above, left).

“It gives them flexibility and clarity in one solution, and we’ve priced it to give them a real edge in the market.

“Most importantly, it gives landlords breathing room to sell properties, reduce leverage, and refinance smoothly later, without early repayment charges biting when it matters."

Andrea Glasgow, sales director of specialist mortgages and bridging finance at HTB (pictured above, right), added: "We’ve been listening closely to what brokers are telling us, and this is exactly the kind of solution they’ve been asking for.

“It’s clear, it’s flexible, and it helps them get deals moving again where affordability has become a sticking point.

“The structure makes sense, and it gives brokers more options when traditional routes aren’t available.

“It’s already proving to be a valuable tool for brokers navigating complex landlord cases."